Investment Review

Maximize your after-tax return.

As a CPA firm, we possess the valuable perspective of having reviewed thousands of tax returns. We see what works and what doesn’t work for our clients' investment portfolio. We can review your investment ideas with you and your investment advisor and make recommendations to maximize your after-tax return.

Utilizing Morningstar’s X-Ray portfolio review technology, our office can give you an overall perspective of your holdings to ensure you’re making the right choices.

Don't ignore the impact of taxes on your investments. While taxes should not drive your investment strategy, understanding how taxes affect your earnings will help you minimize taxes and maximize your return.

Consider these items:

Long-term capital gains and dividends carry a favored tax status. Consider putting more dollars in investments that give you dividend income and long-term capital gains.

You can deduct a limited amount of capital losses in excess of capital gains. Consider balancing your winners and losers to maximize this deduction each year.

Investments which produce high taxable annual income can be given to family members who are in lower tax brackets, thereby saving taxes for the overall family group.

Depending on your tax bracket, you may benefit from investing in municipal bonds.

Another area where taxes make a difference is in deciding which investments to keep in your tax-deferred accounts, such as a regular IRA or 401(k) plan, and which to keep in taxable accounts.

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